Auto Loans - Harvard University Employees Credit Union
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Exceptional value and straightforward terms.


Ready to go shopping?  HUECU can get you pre-approved ahead of time so when you find the right vehicle, you’ll be all set  to drive it home.

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Already got a loan somewhere else? No problem! Whether you got it last week or last year, you could still save by moving it to HUECU.

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homeloans_ratequote_128x128Check Rates

HUECU offers the same low rates on new and used vehicles as well as some exceptional member discounts.

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Why go with an

HUECU Auto Loan?


Remarkably Affordable

  • Same Low Rates on New or Used Vehicles
  • No Application Fees or Prepayment Penalties
  • Exceptional Member Discounts
    Auto-Pay Discount: ¼% off rate for Automatic Payment from an HUECU Crimson or Smart Rewards Checking Account
    Green Discount: ¼% off rate for purchasing a hybrid or electric vehicle1

Refreshingly Simple

  • 110% Financing2
  • Quick and Easy Process
  • Flexible Terms
  • Remote Loan Closings
  • Option to defer first payment for 60 days4

Green Auto Loan


Go green to save some green with HUECU’s Green Auto Loan.

If you plan to purchase a hybrid or electric (all-electric or battery-electric) new or used vehicle, you will receive a 0.25% rate discount on your already great HUECU auto loan rate2. This is our small way of applauding your efforts to reduce your transportation carbon footprint!


Along with those great savings, buying a hybrid or an electric car will also:

  • Help reduce toxic greenhouse gases, which contribute to climate change
  • Save you money on gasoline
  • Make you potentially eligible for a tax credit3


HUECU Now Offers Boat and RV Loans

With competitive rates and flexible terms, start your adventure today!

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These new member benefits feature:

  • Same Low Rates on New or Used Vehicles
  • Flexible Terms
  • No Application Fees or Prepayment Penalties
  • Quick and Easy Process with Remote Loan Closing option
  • Rate discount for automatic payments from an HUECU Crimson or Smart Rewards Checking Account

1. The Green Auto Loan discount is only available to members that purchase a hybrid or electric (all-electric or battery-electric) vehicle. 2. In order to keep our rates competitive we do not refinance our own auto loans. 110% financing on auto loans is subject to credit review and a down payment could be required. 3. Please consult a tax advisor. 4. No Payment for 60 Days – Qualifying members may select to defer their first payment for 60 days from the loan funding date. Interest will accrue during deferral period and this offer is subject to credit union approval. This is optional, you may start paying your loan off right away. This option is only for automobiles.

Auto Loan Example $20,000.00 at 2.99% APR for 60 months. Monthly payment: $359.32 Total Finance charge: $1,558.81. Total repayment: $21,558.81. Subject to credit approval. HUECU offers lease buyouts for cars titled in Massachusetts only. We do not buy out 3rd party leases. All vehicle loans approved are subject to perfecting a security lien interest prior to loan closing on the pledged collateral.  All owners of vehicle will need to sign on the loan. We are only able to offer financing for vehicles being purchased through a private party when the vehicle is registered in the following states: MA, ME, NH, RI and VT.  

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